{"id":"current","page":"https://escalate.alexgaoth.com/#/c/current","html":"https://escalate.alexgaoth.com/c/current/","generated":"2026-10-15","company":{"id":"current","name":"Current","aliases":["current bank","current app","current mobile banking","finco services","current build card","current debit card"],"sector":"bank","parent":"Finco Services, Inc.","website":"https://current.com","official_domains":["current.com"],"regulators":["cfpb","ftc","fdic"],"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"disputes-email","type":"email","label":"Request copies of the documents used in an error investigation","value":"disputes@current.com","purposes":["transaction_dispute","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"member-services-mail","type":"mail","label":"Finco Services, Inc. dba Current (member services address)","value":"Finco Services, Inc. dba Current, 217 Centre Street #180, New York, NY 10013","purposes":["transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"escalation":[{"rung":"frontline","channel":"in-app-chat"},{"rung":"frontline","channel":"member-services-phone"},{"rung":"written_complaint","channel":"support-email"},{"rung":"regulator","regulator":"cfpb"},{"rung":"regulator","regulator":"fdic","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself."},{"rung":"state_agency","agency_kind":"financial_regulator"},{"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"playbooks":[{"issue":"unauthorized_charge","summary":"Call 1-888-851-1172 at once (it keeps your losses down), then confirm in writing within 10 business days if asked; report within 60 days of the first statement.","evidence":["transaction date and amount","statement","date you learned of the loss or theft"],"steps":[{"do":"Call Current Member Services right away, or chat in the app.","channel":"member-services-phone"},{"do":"If Current asks for it in writing, email support within 10 business days with your name, account number, the transfer and the amount.","channel":"support-email"},{"do":"If Current does not resolve it, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"deadline","claim":"Current must hear from you no later than sixty (60) days after it provided the FIRST statement on which the problem or error appeared. If you tell Current orally, it may require your complaint in writing within ten (10) business days.","issues":["unauthorized_charge","transaction_dispute"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"kind":"process","claim":"Current determines whether an error occurred within ten (10) business days, or may take up to forty-five (45) days if it credits your account within ten business days; up to ninety (90) days for new accounts, point-of-sale and foreign-initiated transactions, with up to twenty (20) business days to credit a new account.","issues":["unauthorized_charge","transaction_dispute"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"kind":"limit","claim":"If you tell Current within 2 business days after you learn of the loss or theft of your card, PIN or account number, you can lose no more than $50; Current says telephoning 1-888-851-1172 is the best way to keep losses down.","issues":["unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}]},{"issue":"transaction_dispute","summary":"Phone or email Current about the error within 60 days of the first statement; you can ask disputes@current.com for the documents used.","evidence":["statement","receipt","record of contact with the merchant"],"steps":[{"do":"Call or email Current with your name, account number, the transaction and why you think it is wrong.","channel":"support-email"},{"do":"After the investigation, ask for copies of the documents Current relied on.","channel":"disputes-email"},{"do":"If Current does not resolve it, complain to the CFPB.","regulator":"cfpb"}]},{"issue":"fraud","summary":"Call Current at once if your account is compromised or a Current Pay transfer was made without your permission.","evidence":["transaction details","messages from the scammer","FTC report number"],"steps":[{"do":"Call Current Member Services immediately.","channel":"member-services-phone"},{"do":"Report the scam to the FTC, then complain to the CFPB if Current does not act.","regulator":"cfpb"}],"facts":[{"kind":"contact","claim":"If you believe your account has been compromised or a Current Pay transfer from your account was completed without your permission, Current says to contact 1-888-851-1172 immediately.","issues":["fraud","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}]},{"issue":"frozen_funds","summary":"Current can restrict or close an account and hold funds until activity is verified; ask in writing what it needs.","evidence":["notices from Current","balance when restricted","documents that explain the activity"],"steps":[{"do":"Chat or call and ask why the account is restricted and what documents Current needs.","channel":"in-app-chat"},{"do":"Send the documents and ask in writing when the balance will be returned.","channel":"support-email"},{"do":"If the funds are not released, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"policy","claim":"The agreement says Current may close an account at any time with or without notice; if it detects unusual, unauthorized or unlawful activity it can restrict or close the account, ask for documents, and hold funds until the nature and purpose of the activity is verified. On closure it may return the balance less fees, claims or setoffs.","issues":["frozen_funds"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}]},{"issue":"cancel_service","summary":"Close the account by chat or by calling Current.","steps":[{"do":"Chat in the app or call to close the account. Current will not close it while transactions are pending, the balance is negative or the account is under legal process.","channel":"member-services-phone"}],"facts":[{"kind":"process","claim":"You may request to close your Account at any time by chatting in the Mobile App or calling 888-851-1172; Current is not required to close it if transactions are pending, the account is overdrawn or it is subject to legal process.","issues":["cancel_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}]}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."]},"playbooks":{"unauthorized_charge":{"company":{"id":"current","name":"Current","sector":"bank","website":"https://current.com","account_url":null},"issue":{"id":"unauthorized_charge","name":"Unauthorized charge"},"playbook_source":"company","summary":"Call 1-888-851-1172 at once (it keeps your losses down), then confirm in writing within 10 business days if asked; report within 60 days of the first statement.","evidence":["transaction date and amount","statement","date you learned of the loss or theft"],"steps":[{"do":"Call Current Member Services right away, or chat in the app.","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"If Current asks for it in writing, email support within 10 business days with your name, account number, the transfer and the amount.","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"If Current does not resolve it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"disputes-email","type":"email","label":"Request copies of the documents used in an error investigation","value":"disputes@current.com","purposes":["transaction_dispute","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"facts":[{"kind":"deadline","claim":"Current must hear from you no later than sixty (60) days after it provided the FIRST statement on which the problem or error appeared. If you tell Current orally, it may require your complaint in writing within ten (10) business days.","issues":["unauthorized_charge","transaction_dispute"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"kind":"process","claim":"Current determines whether an error occurred within ten (10) business days, or may take up to forty-five (45) days if it credits your account within ten business days; up to ninety (90) days for new accounts, point-of-sale and foreign-initiated transactions, with up to twenty (20) business days to credit a new account.","issues":["unauthorized_charge","transaction_dispute"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"kind":"limit","claim":"If you tell Current within 2 business days after you learn of the loss or theft of your card, PIN or account number, you can lose no more than $50; Current says telephoning 1-888-851-1172 is the best way to keep losses down.","issues":["unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]},{"id":"fcba-billing-error","title":"Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)","citation":"12 CFR 1026.13; 12 CFR 1026.12(c) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"For credit card and other open-end credit accounts, a written billing-error notice that the creditor receives within 60 days after it sent the first statement with the error starts a dispute process. The creditor must acknowledge it within 30 days and resolve it within 2 complete billing cycles (no later than 90 days). Until then, the consumer need not pay the disputed amount and the creditor may not collect it or report it as delinquent. A separate rule lets a cardholder assert claims and defenses about a card purchase against the card issuer.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12","points_omitted":9,"points":[{"kind":"policy","claim":"A billing error includes a charge for credit not made to the consumer or an authorized user; a charge for property or services not accepted by the consumer or not delivered as agreed; a failure to credit a payment or other credit properly; a computational error by the creditor; a charge for which the consumer asks for clarification, including documentary evidence; and failure to send a statement to the last address the creditor received in writing at least 20 days before the end of the billing cycle.","issues":["billing_error","unauthorized_charge","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12"}]},{"id":"rosca-negative-option","title":"Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements","citation":"15 U.S.C. 8401-8405","jurisdiction":"us-federal","status":"in_effect","summary":"A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.","source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12","points_omitted":1,"points":[{"kind":"policy","claim":"Before obtaining the consumer's billing information, the seller must provide text that \"clearly and conspicuously discloses all material terms of the transaction\".","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"The seller must obtain \"a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account\".","issues":["unauthorized_charge","billing_error"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.","issues":["unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8402","last_verified":"2026-10-12"},{"kind":"process","claim":"A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8404","last_verified":"2026-10-12"}]},{"id":"tila-unauthorized-card-liability","title":"Credit card unauthorized-use liability limit (Regulation Z)","citation":"12 CFR 1026.12(b) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"A cardholder's liability for unauthorized use of a credit card cannot exceed the lesser of $50 or the amount obtained before the cardholder notifies the card issuer. Notice can be in person, by phone or in writing. A state law or the card agreement that sets lower liability controls.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"Liability for unauthorized use \"shall not exceed the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Unauthorized use means use by a person other than the cardholder who does not have actual, implied or apparent authority for the use, and from which the cardholder receives no benefit.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"The issuer can hold the cardholder liable only if the card is an accepted card, the issuer gave adequate notice of the maximum potential liability and of how to report loss or theft, and the issuer provided a means to identify the cardholder or authorized user.","issues":["unauthorized_charge"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice to the issuer may be given in person, by telephone or in writing, at the cardholder's option. Written notice counts as given when received or when the time ordinarily required for transmission has passed, whichever is earlier.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If state law or the cardholder agreement sets lower liability, \"the lesser liability shall govern\". When an issuer gives 10 or more cards to employees of one organization, the issuer and the organization may agree to different liability terms, but an employee can still be held liable only as this section permits.","issues":["unauthorized_charge"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","warnings":[]},"transaction_dispute":{"company":{"id":"current","name":"Current","sector":"bank","website":"https://current.com","account_url":null},"issue":{"id":"transaction_dispute","name":"Dispute with a merchant through the bank"},"playbook_source":"company","summary":"Phone or email Current about the error within 60 days of the first statement; you can ask disputes@current.com for the documents used.","evidence":["statement","receipt","record of contact with the merchant"],"steps":[{"do":"Call or email Current with your name, account number, the transaction and why you think it is wrong.","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"After the investigation, ask for copies of the documents Current relied on.","channel":{"id":"disputes-email","type":"email","label":"Request copies of the documents used in an error investigation","value":"disputes@current.com","purposes":["transaction_dispute","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"If Current does not resolve it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"disputes-email","type":"email","label":"Request copies of the documents used in an error investigation","value":"disputes@current.com","purposes":["transaction_dispute","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"member-services-mail","type":"mail","label":"Finco Services, Inc. dba Current (member services address)","value":"Finco Services, Inc. dba Current, 217 Centre Street #180, New York, NY 10013","purposes":["transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"facts":[],"rules":{"in_force":[{"id":"fcba-billing-error","title":"Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)","citation":"12 CFR 1026.13; 12 CFR 1026.12(c) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"For credit card and other open-end credit accounts, a written billing-error notice that the creditor receives within 60 days after it sent the first statement with the error starts a dispute process. The creditor must acknowledge it within 30 days and resolve it within 2 complete billing cycles (no later than 90 days). Until then, the consumer need not pay the disputed amount and the creditor may not collect it or report it as delinquent. A separate rule lets a cardholder assert claims and defenses about a card purchase against the card issuer.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12","points_omitted":8,"points":[{"kind":"policy","claim":"Claims and defenses (12 CFR 1026.12(c)): when a merchant does not resolve a dispute about property or services bought with a credit card, the cardholder may assert against the card issuer all claims (other than tort claims) and defenses from the transaction, and may withhold payment up to the amount of credit outstanding for that purchase plus related charges. The issuer may not report that withheld amount as delinquent until the dispute is settled or judgment is rendered.","issues":["transaction_dispute","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"limit","claim":"Claims-and-defenses limits: the cardholder must first make a good faith attempt to resolve the dispute with the merchant, the purchase must exceed $50, and it must have occurred in the same state as the cardholder's current designated address or within 100 miles of it. The $50 and location limits do not apply when the merchant is the card issuer, is controlled by or controls the issuer, is a franchised dealer in the issuer's products, or got the order through a mail solicitation the issuer made or took part in.","issues":["transaction_dispute","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","warnings":[]},"fraud":{"company":{"id":"current","name":"Current","sector":"bank","website":"https://current.com","account_url":null},"issue":{"id":"fraud","name":"Fraud or scam"},"playbook_source":"company","summary":"Call Current at once if your account is compromised or a Current Pay transfer was made without your permission.","evidence":["transaction details","messages from the scammer","FTC report number"],"steps":[{"do":"Call Current Member Services immediately.","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"Report the scam to the FTC, then complain to the CFPB if Current does not act.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"facts":[{"kind":"contact","claim":"If you believe your account has been compromised or a Current Pay transfer from your account was completed without your permission, Current says to contact 1-888-851-1172 immediately.","issues":["fraud","unauthorized_charge"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]},{"id":"tila-unauthorized-card-liability","title":"Credit card unauthorized-use liability limit (Regulation Z)","citation":"12 CFR 1026.12(b) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"A cardholder's liability for unauthorized use of a credit card cannot exceed the lesser of $50 or the amount obtained before the cardholder notifies the card issuer. Notice can be in person, by phone or in writing. A state law or the card agreement that sets lower liability controls.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12","points_omitted":2,"points":[{"kind":"limit","claim":"Liability for unauthorized use \"shall not exceed the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Unauthorized use means use by a person other than the cardholder who does not have actual, implied or apparent authority for the use, and from which the cardholder receives no benefit.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice to the issuer may be given in person, by telephone or in writing, at the cardholder's option. Written notice counts as given when received or when the time ordinarily required for transmission has passed, whichever is earlier.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","warnings":[]},"frozen_funds":{"company":{"id":"current","name":"Current","sector":"bank","website":"https://current.com","account_url":null},"issue":{"id":"frozen_funds","name":"Account frozen or closed"},"playbook_source":"company","summary":"Current can restrict or close an account and hold funds until activity is verified; ask in writing what it needs.","evidence":["notices from Current","balance when restricted","documents that explain the activity"],"steps":[{"do":"Chat or call and ask why the account is restricted and what documents Current needs.","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"Send the documents and ask in writing when the balance will be returned.","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"do":"If the funds are not released, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"member-services-mail","type":"mail","label":"Finco Services, Inc. dba Current (member services address)","value":"Finco Services, Inc. dba Current, 217 Centre Street #180, New York, NY 10013","purposes":["transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"facts":[{"kind":"policy","claim":"The agreement says Current may close an account at any time with or without notice; if it detects unusual, unauthorized or unlawful activity it can restrict or close the account, ask for documents, and hold funds until the nature and purpose of the activity is verified. On closure it may return the balance less fees, claims or setoffs.","issues":["frozen_funds"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","warnings":[]},"cancel_service":{"company":{"id":"current","name":"Current","sector":"bank","website":"https://current.com","account_url":null},"issue":{"id":"cancel_service","name":"Cancellation problem"},"playbook_source":"company","summary":"Close the account by chat or by calling Current.","evidence":["cancellation confirmation number or email","date you cancelled","charges after that date"],"steps":[{"do":"Chat in the app or call to close the account. Current will not close it while transactions are pending, the balance is negative or the account is under legal process.","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}}],"channels":[{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"},{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"facts":[{"kind":"process","claim":"You may request to close your Account at any time by chatting in the Mobile App or calling 888-851-1172; Current is not required to close it if transactions are pending, the account is overdrawn or it is subject to legal process.","issues":["cancel_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"rosca-negative-option","title":"Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements","citation":"15 U.S.C. 8401-8405","jurisdiction":"us-federal","status":"in_effect","summary":"A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.","source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12","points_omitted":2,"points":[{"kind":"policy","claim":"Before obtaining the consumer's billing information, the seller must provide text that \"clearly and conspicuously discloses all material terms of the transaction\".","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"The seller must provide \"simple mechanisms for a consumer to stop recurring charges\" on the consumer's credit card, debit card, bank account or other financial account.","issues":["cancel_service"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"process","claim":"A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8404","last_verified":"2026-10-12"}]}],"not_in_force":[{"id":"ftc-click-to-cancel","title":"FTC \"Click-to-Cancel\" amendments to the Negative Option Rule (2024)","citation":"16 CFR part 425 (2024 amendments, published November 15, 2024)","jurisdiction":"us-federal","status":"vacated","summary":"The FTC's 2024 amendments to the Negative Option Rule (\"click-to-cancel\") were vacated in full by the U.S. Court of Appeals for the Eighth Circuit on July 8, 2025, and never took effect. Do not cite them. For online subscriptions, cite ROSCA (rules/rosca-negative-option) and applicable state automatic renewal laws instead.","source":"https://ecf.ca8.uscourts.gov/opndir/25/07/243137P.pdf","last_verified":"2026-10-12","status_note":"Vacated in full by the Eighth Circuit on July 8, 2025 (Custom Communications, Inc. v. FTC, 142 F.4th 1060). The FTC removed the 2024 text effective February 12, 2026 and restored the pre-2024 prenotification rule. A new rulemaking is only at the ANPRM stage (March 13, 2026), with no proposed text as of 2026-10-12. What remains in force: ROSCA (rules/rosca-negative-option), Section 5 of the FTC Act, and state automatic renewal laws (for example rules/ca-automatic-renewal-law, rules/ny-automatic-renewal-law).","do_not_cite":"This rule is not in force. Do not cite it as current law."}]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"known_blockers":["Phone support is only Monday to Friday, 9 a.m. to 6 p.m. ET; outside those hours use app chat.","Current's help center (support.current.com) blocks automated access.","Current publishes no security page with phishing guidance on the pages checked."],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Current (Finco Services, Inc. dba Current) is a financial technology company, not a bank. Banking services are provided by Choice Financial Group and/or Cross River Bank, Members FDIC; the Current Visa Debit Card may be issued by either bank and the Current Build secured charge card is issued by Cross River Bank. Both partner banks are state-chartered banks that are not Federal Reserve members (FDIC BankFind certs 9423 and 58410), so the FDIC is their federal regulator. Facts below are from the Choice deposit account agreement updated June 22, 2026; Cross River customers have a separate agreement. support.current.com returns HTTP 403 to automated fetches.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","channel":{"id":"in-app-chat","type":"app","label":"Chat in the Current Mobile App","value":"Current Mobile App > chat","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"login","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":1,"rung":"frontline","channel":{"id":"member-services-phone","type":"phone","label":"Current Member Services; lost or stolen card, unauthorized transfers, errors","value":"+1-888-851-1172","hours":"Mon-Fri 9 a.m.-6 p.m. ET","purposes":["unauthorized_charge","transaction_dispute","fraud","frozen_funds","cancel_service","poor_service"],"access":"human_only","source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":2,"rung":"written_complaint","channel":{"id":"support-email","type":"email","label":"Current support (errors, written disputes, arbitration opt-out)","value":"support@current.com","purposes":["unauthorized_charge","transaction_dispute","frozen_funds","poor_service"],"source":"https://cdn.current.com/agreements/choice_account_agreement_06_22_2026.pdf","last_verified":"2026-10-13"}},{"index":3,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":4,"rung":"regulator","note":"The FDIC supervises Current's partner banks (Choice Financial Group, Cross River Bank), not Current itself.","regulator":{"id":"fdic","name":"Federal Deposit Insurance Corporation, Consumer Response Unit","level":"federal","when_to_use":"Use for a complaint about a state-chartered bank that is not a member of the Federal Reserve System, after the bank did not fix it. Complaints against banks must be in writing; the phone line is for general questions.","channels":[{"id":"support-center","type":"web_form","label":"FDIC Information and Support Center (submit a complaint or request help)","value":"https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Opens a case for inquiries or complaints about financial institutions, bank failures and deposit insurance.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"contact-center","type":"phone","label":"FDIC Contact Center (1-877-ASK-FDIC)","value":"+1-877-275-3342","hours":"Monday to Friday 8:00 a.m. to 6:00 p.m. ET; Saturday 8:00 a.m. to 1:00 p.m. ET; closed Sunday and federal holidays","notes":"General inquiries only. A complaint against a bank must be submitted in writing.","source":"https://www.fdic.gov/contact","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Consumer complaint mailing address","value":"1100 Walnut Street, Box","notes":"Address shown on the FDIC consumer complaint process page. The page does not give an addressee line.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FDIC enforces federal consumer protection laws at state-chartered banks that are not members of the Federal Reserve System. Other regulators handle other banks.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"The Consumer Response Unit investigates complaints about FDIC-supervised banks and may send the complaint to the bank for review and response. Matters outside FDIC jurisdiction get a direct response or a referral.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The Consumer Response Unit acknowledges a complaint within 14 days when a full response will take longer, and generally responds within 60 days when it contacts the bank.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"},{"kind":"process","claim":"Include your name, email and mailing address, the bank's full name and address (check it in BankFind), and a written description of the issues in the order they occurred, with names, phone numbers, dates and transaction amounts.","source":"https://www.fdic.gov/consumer-resource-center/consumer-complaint-process","last_verified":"2026-10-12"}],"notes":"Find which agency supervises a bank with BankFind at https://banks.data.fdic.gov/bankfind-suite/bankfind. The FDIC consumer complaint process page was last updated 2025-08-14. The support center page is a script-driven app and may not load for automated agents."}},{"index":5,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."},{"index":6,"rung":"arbitration","note":"The deposit agreement has an arbitration agreement; opt out by emailing a signed notice to support@current.com within 30 days of opening the account."}],"security":{"official_domains":["current.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":11},"verified_from":{"page":11},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 11 sources are the organization's own pages or government sites.","dossier_last_verified":null},"dossier":null,"guide":{"key":"bank","title":"Banks and card issuers — how complaints work","last_verified":"2026-10-12","file":"guides/bank.md","page":"https://escalate.alexgaoth.com/#/guides/bank"}}